On @Horton's observation on branches

Duplicate branches [after taking over Habib] may be closed once the leases run out e.g. KAM Place in favor of Westgate.
I like (mini)branches that serve captive customers e.g. Aga Khan Hospital [100s of employees/doctors/nurses + 1000s of patients/visitors + residents of the area]
I am no fan of lines/queues [though with technology there are other avenues] and IMHO some sensitive transactions still need to be done at branches. This will change.

Questions:
From what you have described, the branches are easily accessible for customers. Do they need to be?
Are these branches profitable?
Do their customers demand/require easy accessibility including longer hours?
Do these branches serve different types of customers?
[The Gen Mathenge branch seems "corporate oriented" to me.]

Equity bank has a "wananchi" branch on Woodvale Grove and a "corporate/wadosi" branch near Uchumi in Westlands.
NIC is also opening up branches though they are more restrained than DTB.
KCB has 2 branches within Sarit Center.
I&M closed an ex-Giro branch on Banda St as well as Woodvale Grove, Mombasa CBD and Kisumu.

JM mentioned in a briefing that Equity will downsize some branches since more transactions are taking place using phones and agents.

Ovyo ovyo? Or strategic?

The Kenyan market is different. I’m sure you understand this?!

U cant compare DTB to KCB or Equity. KCBs wananchi branch at sarit centre is always packed to the brim. So execs “don’t feel special” therefore a new branch to deal with these folks was created. Whereas DTB branches , you will probably be first in line for the teller usually or at worst a couple of people ahead.

This segment is overbanked. There is I&M, Guardian, Prime, Bank of Baroda and India and add like 4 branches of DTB in the small area.

As you said easily accessible. Are you a Dtb customer btw? Do you know how not so straight forward their online banking is for companies?